Do I need to open multiple/different accounts under the respective entities?

You will not need to open multiple or different accounts.

Will I be able to use my account if I choose to do nothing?

You will need to accept the Group Terms of Use, Privacy Statement, and Risk Statement, and Disclaimers to continue to enjoy Sparrow products and services.

How many account log ins do I need to maintain?

You are only required to maintain one Sparrow Account. This will not change the way you log in to your account.